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201 East Main Street
Streator, IL 61364

Centrue Bank is headquartered in Streator and is the 44th largest bank in the state of Illinois. It is also the 759th largest bank in the nation. It was established in 1874 and as of March of 2014, it had grown to 257 employees at 27 locations. Centrue Bank has a C health rating.

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Reviews (3)

Mad Customer

My bank account got hacked from THEIR system and they did not refund all of my charged that were false. They did refund 2 of the charges, but not the rest! That is BS!!!! There were approx. $200 in false charges that they did not refund back to me. Centrue bank does not stand by their policy and their "fraudulent" charges refund policy. They are supposed to stand by their name and refund anything that you say is not yours and they did NOT do this. It's not my fault they have a low security computer system that got hacked and that someone spent my money! They should have to pay.....I will be switching bank accounts ASAP and I would suggest that everyone else do the same before your money is stolen!

Worst Bank Do Not Recommend!!

I have never been with a bank like this one that will hit you with fees fees and morefees. My account has been hacked 3 times and this bank could care less. And oh yeah made me eat the over draft fees cause of their poor online security. Bank elsewhere not he re.

Checking Account! Best Locations In K3 County!

I have had my account at Centrue Bank for 10 years and HAVE NEVER had an issue. I balance my checkbook every month and use the online banking system. I have NEVER had a fee in 10 years! Great locations in K3 County!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Centrue Bank had $50.48 million in non-current loans and owned real-estate with $80.27 million in equity and loan loss allowances on hand to cover it. This gives Centrue Bank a Texas Ratio of 62.89% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Centrue Bank decreased slightly from 70.82% as of March 31, 2013 to 62.89% as of March 31, 2014, resulting in a positive change of 11.20%.This indicates that the balance sheet and financial strength for Centrue Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Centrue Bank has decreased its total deposits by -$31.03 million, resulting in -3.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Centrue Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Centrue Bank has $892.4 million in assets with $80.27 million in equity, resulting in a capitalization level of 9.00%, which is average.

Institution Statistics

FDIC Certificate #3744
Year Established1874
Primary RegulatorFED
Assets and Liabilities
Assets$892.40 million
Loans$569.10 million
Deposits$775.19 million
Equity Capital$67.88 million
Loan Loss Allowance$12.39 million
Unbacked Noncurrent Loans$28.10 million
Real Estate Owned$22.39 million
Historic Data - March 2013
Assets$911.47 million
Equity Capital$66.95 million
Loan Loss Allowance$16.49 million
Unbacked Noncurrent Loans$28.10 million
Real Estate Owned$25.43 million
Profit Margin - Quarterly
Net Interest Margin3.32%
Return on Assets0.05%
Return on Equity0.66%
Interest Income$6.97 million

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Centrue Bank has 26 locations. Click to view all Centrue Bank locations.